How to Choose the Best Structured Settlement Companies

African American man in park using cell phoneWhether it is due to an injury from an on-the-job accident, or a lawsuit from a wrongful termination, your structured settlement cash payments can span a few months, a few years, or even a lifetime, depending on the terms. There are many reasons why you may want to sell part of your annuity to a structured settlement company, or cash in the entire amount for a large lump sum. But there is one fact that’s for certain: all structured settlement companies are not the same. It’s up to you to do your research and choose a company with a good reputation.

Start with the BBB

 The Better Business Bureau is a great resource for researching structured settlement companies’ track record. Complaints and positive reviews alike are tallied, resulting in a grade. If you come across a company with a “C” rating, chances are, they are providing customers with mediocre service. RSL Funding is proud of its “A” rating with the BBB, as it reflects the work we put into providing the most money for our clients as well as top-notch customer service.

It’s important to remember that there are plenty of structured settlement companies eager to “buy you out.” It can be somewhat difficult to navigate the process and choose a reputable structured settlement company that will meet your particular needs.

If you’re considering selling your annuity to a structured settlement company, look for the best terms. Your attorney should be able to guide you while making sure there are no conflicts of interest. Keep an eye out for unscrupulous structured settlement companies that keep their fees hidden and sneak in additional charges, such as application fees. Keep the BBB at your fingertips when researching how these firms treat their customers.

Know the Process

After finding the best funding company to sell your structured settlement to, it can be devastating to eventually be ripped off. To get the maximum value from your structured settlement or annuity, it is advisable to contact more than one or two organizations that can offer a lump sum in exchange for it. Multiple offers puts you in a position of power. You choose who to sell your payments to, opting for the best terms and customer service.

When you have a few companies in mind, don’t appear desperate. A sense of desperation might cause a prospective annuity buyer to aim low when making offers. If you give the impression that you are just casually considering selling, but are not in a hurry, the offers will roll in at a significantly higher price point.

Trust the Professionals

Aside from doing as much independent research as you can to ascertain potential resale value, as a precursor to the annuity selling process, you should also consult an expert with knowledge on selling annuity and structured settlement annuities. Guidance from an experienced individual can assist you in making the most fiscally responsible decision.

The takeaways: Contact multiple structured settlement companies. Get the facts. In the end, you’ll be able to make an informed decision about who will offer you the most money for your settlement.


Want to see how much your structured settlement, annuity, or lottery payments are worth? Complete the short form below and one of our representatives will get back to you! Or call us at 800.543.6513.

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